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Car Insurance: Your Questions Answered
How does the type of car I drive affect my insurance policy?
The value of your car is what will affect your policy the most. However, other factors can affect the price of your policy. For example, cars that are particularly attractive to joyriders and thieves can be more expensive to insure. Surprisingly, these tend not to be expensive high performance vehicles, as these cars usually have advanced security features. Joyriders especially tend to target older cars with turbo engines, such as GTIs.
Do I have to have insurance?
Quite simply, yes. In the UK and throughout the European Union, it is an offence to drive a vehicle without valid insurance. However, you are not required to insure your car for ‘all risks', that is, fully comprehensive cover. The law requires that you obtain ‘third party insurance'. This means that you must insure yourself for the liability you will incur if you damage someone else's vehicle or property, or if you cause injury or death due to an accident. You are the ‘first party', and any other persons involved are the ‘second party'.
Is it true that if I leave my keys in the car that I am not covered by my car insurance?
Yes, this is true. Should you leave your keys in your car, even just to pop out to buy a paper or pay for your petrol, your car will not be covered in the event of theft. It is important that you always remove your keys from the car whenever you leave the vehicle, or make sure that someone else stays with the car.
What is an insurance excess, and does it affect my premium?
In insurance excess is the amount you will have to pay out when making an insurance claim. Some insurance companies will lower your insurance premium if you are prepared to pay a higher level of excess. Car insurance companies use this excess as a means of deterring people from making low cost claims, as this would be expensive for the companies to administer.
Make sure you use a reputable firm for your policy. Try Kwik Fit Insurance for some competitive car and house insurance quotes; or Beat That Quote presents itself as a useful comparison website that can keep a consumer updated on internet deals for car insurance.
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